Carefully explain how a health insurance company can use copayment in its insurance contract to limit the social loss stemming from the moral hazard induced by the presence of insurance. Provide as much detail as necessary to justify your answer. Make sure to also include 2 graphs, comparing the case of full insurance (i.e. O copay) with the case of an insurance contract with a positive copay. Draw the graphs on a blank sheet of paper, then take a picture of it with your smartphone, and upload it on Canvas as an attachment to your typed answer.